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statute barred debt
hi i am new to the forum and joined as i cannot get advice from national Debtline. i have a debt that dates back to December 2009 for a capital one credit card...I received papers from the county court on 25th july this year 2016 as i have not made payment or acknowleged the debt since December 2009..i managed to speak to…
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Feeling like I'm back at square one
Hello all, I'm back again on the DFW board after making silly mistakes with money! Although the minimum payments on my debts have been met each month, I've been finding it more and more difficult to find money for essential items in order for these debts to be paid. It's become a vicious cycle really. Anyway, I decided,…
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Are Debt Management Plans any good? I'm starting to doubt it.
Hi there, I've always thought that I won't allow myself to get in this situation, but here I am 3 credit cards later and 5000 in debt, because I've been stupid but there is no turning back. Reality hit when I realized that I won't be able to cover the minimum amount for each of my credit cards that month. Anyways, I've…
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Credio Problems
Not entirely sure if I have posts In the right place, but here goes. In February of this year I took out a small loan (250) with Credio. I paid the first payment of 86 in march. Credio never allocate this payment to my account despite repeated assurances that they would. They then allocated my second payment as if it were…
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What small DFW things will you do this week - w/c 22nd August?
When we start out on the DFW trail we do loads of "big stuff" that makes quite a difference to our situation. These include having our lightbulb moment, cutting up the credit cards and cancelling Sky and the gym. But once we have done the bigger stuff, we often feel that we are not making the same amount of progress, when…
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credit card debt
Hi everybody looking for a little advice. I have a Barclaycard credit card and have a large balance on it of £10900.00, I know I'm so stupid. I have no problem paying £300 off it a month, monthly min payment is 235.00 but I just want to get it paid off altogether, can anybody advise what is the best way to get it paid off…
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Advice wanted 30k unsecured debt
Good evening all. Basically feel like I'm getting into bigger mess each month Current unsecured debt Tesco 20k loan £440 a month until Jan 2021 Mbna credit card 6.8 k 0% until April 2017 £85 a month min payment Tesco credit card 3k 0% until Dec 2017 £31 a month min payment New build house moved in Feb 2016 borrowed off…
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Clearing debts
I'm now debt free but my husband still has debts of around 5k and is in a debt management plan. We currently rent but would love to buy in the future. What would be the best way of clearing his debts quickly so that we can start repairing his credit file, currently has defaults. Would it be silly for me to take out a loan…
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What the hell!!!!!!
Hi guys, I just joined today as I need advice and tips on how to manage my money. Well I am a married man with 2 children. I am in debt of over 9k. I made arrangements with the banks and one high street supermarket to do a payment plan of £1 a mouth. Today I logged into the High street supermarket online to make a payment…
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Help! Enforcement Agents Letter
I am in a really bad place financially. Due to mental health problems and a drinking problem mostly. I am getting help for both those things and I am starting to come out of it. I haven't been opening my post. I opened my post today and found there was a letter from a debt enforcement agency dated 10/8/2016 who have been…
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Heavy debt - Can I re-mortgage?
Hello - please help! I am a 47 year old male who lives with my wife. Between us we have around £50,000 of debt. We have a mortgage which we owe around £150,000. We are in the process of getting some refurbishments completed on our house and I anticipate that the value will be be between £190,000 - £200,000. We are not…
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Help!! Opos ltd
hello, I am hoping someone can give me some advice as to what I can do regarding my Opos debt, many years ago I think back in 2012/2013 I borrowed £300 of mini credit, cut a long story short, I am now in a DMP and have been happily paying back all my creditors at an agreed rate, however with OPOS the debt just seems to…
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Inhibition Order (Illegal)
Hi all, got a letter today when I read it, it threatened me with an inhibition order, now the property I live in I do not own, have any financial ties to, or pay rent for. I'm just a nobody. Is this illegal in Scotland to threaten someone else property, as well as me????
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Can anyone help? Friend can't pay Priority Bills
Thanks to all who offered advice :D
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Affordable Budget?
Hi, My wife and I are pensioners and we are in debt to the amount of approx £25000 plus the mortgage. At the moment we are not in any arrears but as every month goes by we are having to use more of our banks overdraft facility which is nearly exhausted.:( We have contacted Step Change who have been very helpful up to a…
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I bought something on paypal that didnt work and seller threatening with a ccj
hi everyone , really need some advise, i saw an item on ebay and they had some extras so i paypaled them £65 turns out the item doesn't work properly so put in a depute through paypal. im now having threatening messages saying they are going to court at putting a ccj on my address no matter what, they say im going to…
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Template letter for statute barred debt + more
Is there a template letter for a statute barred debt that is being taken through the county court and that is also now at the stage where they the claimants have produced the POC but the POC have now proved that the last payment was 8 years ago but the default date was 2 years after the last payment in 2008... So it says…
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CCJ claim against me
Hoping somone can help. We purchased a car a few years ago from Arnold Clarke with finance from marsh finance. The total of the agreement was £10,014 and we paid off the sum of £9,585 during the loan period. The car had a lot of trouble in the last year of the agreement and we ended up just scrapping it. We had 1 or 2…
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Solicitor Fee's
Hello all, A bit of background for you all; around 3 years ago my ex partner stopped me from seeing our children when she found out I had a new partner (I was driving to see me children every day before this point.) A long story short I tried to take the children for an overnight stay against her will, and whilst she was…
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received court letter for ex-partner
hi I received a court letter from PO Box 300 NN1 2TX for ex partner debt dating back to 1998 I have been returning these letters to Arrow (debt collector referred to on court paperwork) for over a year stating 'person not known at this address' etc. Sometimes enclosing their letter, and putting in writing 'this person does…
